Illinois 2025-2026 Regular Session

Illinois House Bill HB0066 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB0066 Introduced , by Rep. Diane Blair-Sherlock SYNOPSIS AS INTRODUCED: 625 ILCS 5/1-164.5625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317 Amends the Illinois Vehicle Code. Establishes that a motor vehicle owner shall provide a liability policy and every such policy or bond is subject, if the motor vehicle crash has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than $50,000 (rather than $25,000) because of bodily injury to or death of any one person in any one motor vehicle crash and, subject to said limit for one person, to a limit of not less than $100,000 (rather $50,000) because of bodily injury to or death of 2 or more persons in any one motor vehicle crash, and, if the motor vehicle crash has resulted in injury to or destruction of property, to a limit of not less than $40,000 (rather than $20,000). Requires a motor vehicle owner or any person that maintains, uses, or operates a motor vehicle to furnish proof of financial responsibility in the amounts provided. Establishes that a judgment arising out of a motor vehicle crash is deemed satisfied once the specified policy amount is credited toward the judgment. Effective immediately. LRB104 03014 RTM 13032 b A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB0066 Introduced , by Rep. Diane Blair-Sherlock SYNOPSIS AS INTRODUCED: 625 ILCS 5/1-164.5625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317 625 ILCS 5/1-164.5 625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203 625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311 625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317 Amends the Illinois Vehicle Code. Establishes that a motor vehicle owner shall provide a liability policy and every such policy or bond is subject, if the motor vehicle crash has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than $50,000 (rather than $25,000) because of bodily injury to or death of any one person in any one motor vehicle crash and, subject to said limit for one person, to a limit of not less than $100,000 (rather $50,000) because of bodily injury to or death of 2 or more persons in any one motor vehicle crash, and, if the motor vehicle crash has resulted in injury to or destruction of property, to a limit of not less than $40,000 (rather than $20,000). Requires a motor vehicle owner or any person that maintains, uses, or operates a motor vehicle to furnish proof of financial responsibility in the amounts provided. Establishes that a judgment arising out of a motor vehicle crash is deemed satisfied once the specified policy amount is credited toward the judgment. Effective immediately. LRB104 03014 RTM 13032 b LRB104 03014 RTM 13032 b A BILL FOR
2	2	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB0066 Introduced , by Rep. Diane Blair-Sherlock SYNOPSIS AS INTRODUCED:
3	3	625 ILCS 5/1-164.5625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317 625 ILCS 5/1-164.5 625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203 625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311 625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317
4	4	625 ILCS 5/1-164.5
5	5	625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203
6	6	625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311
7	7	625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317
8	8	Amends the Illinois Vehicle Code. Establishes that a motor vehicle owner shall provide a liability policy and every such policy or bond is subject, if the motor vehicle crash has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than $50,000 (rather than $25,000) because of bodily injury to or death of any one person in any one motor vehicle crash and, subject to said limit for one person, to a limit of not less than $100,000 (rather $50,000) because of bodily injury to or death of 2 or more persons in any one motor vehicle crash, and, if the motor vehicle crash has resulted in injury to or destruction of property, to a limit of not less than $40,000 (rather than $20,000). Requires a motor vehicle owner or any person that maintains, uses, or operates a motor vehicle to furnish proof of financial responsibility in the amounts provided. Establishes that a judgment arising out of a motor vehicle crash is deemed satisfied once the specified policy amount is credited toward the judgment. Effective immediately.
9	9	LRB104 03014 RTM 13032 b LRB104 03014 RTM 13032 b
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11	11	A BILL FOR
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14	14	1 AN ACT concerning transportation.
15	15	2 Be it enacted by the People of the State of Illinois,
16	16	3 represented in the General Assembly:
17	17	4 Section 5. The Illinois Vehicle Code is amended by
18	18	5 changing Sections 1-164.5, 7-203, 7-311, and 7-317 as follows:
19	19	6 (625 ILCS 5/1-164.5)
20	20	7 Sec. 1-164.5. Proof of financial responsibility. Proof of
21	21	8 ability to respond in damages for any liability thereafter
22	22	9 incurred resulting from the ownership, maintenance, use, or
23	23	10 operation of a motor vehicle for bodily injury to or death of
24	24	11 any person in the amount of $50,000 $25,000, and subject to
25	25	12 this limit for any one person injured or killed, in the amount
26	26	13 of $100,000 $50,000 for bodily injury to or death of 2 or more
27	27	14 persons in any one crash, and for damage to property in the
28	28	15 amount of $40,000 $20,000 resulting from any one crash. This
29	29	16 proof in these amounts shall be furnished for each motor
30	30	17 vehicle registered by every person required to furnish this
31	31	18 proof. The changes to this Section made by this amendatory Act
32	32	19 of the 98th General Assembly apply only to policies issued or
33	33	20 renewed on or after January 1, 2015.
34	34	21 (Source: P.A. 102-982, eff. 7-1-23.)
35	35	22 (625 ILCS 5/7-203) (from Ch. 95 1/2, par. 7-203)
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39	39	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB0066 Introduced , by Rep. Diane Blair-Sherlock SYNOPSIS AS INTRODUCED:
40	40	625 ILCS 5/1-164.5625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317 625 ILCS 5/1-164.5 625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203 625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311 625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317
41	41	625 ILCS 5/1-164.5
42	42	625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203
43	43	625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311
44	44	625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317
45	45	Amends the Illinois Vehicle Code. Establishes that a motor vehicle owner shall provide a liability policy and every such policy or bond is subject, if the motor vehicle crash has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than $50,000 (rather than $25,000) because of bodily injury to or death of any one person in any one motor vehicle crash and, subject to said limit for one person, to a limit of not less than $100,000 (rather $50,000) because of bodily injury to or death of 2 or more persons in any one motor vehicle crash, and, if the motor vehicle crash has resulted in injury to or destruction of property, to a limit of not less than $40,000 (rather than $20,000). Requires a motor vehicle owner or any person that maintains, uses, or operates a motor vehicle to furnish proof of financial responsibility in the amounts provided. Establishes that a judgment arising out of a motor vehicle crash is deemed satisfied once the specified policy amount is credited toward the judgment. Effective immediately.
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48	48	A BILL FOR
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54	54	625 ILCS 5/1-164.5
55	55	625 ILCS 5/7-203 from Ch. 95 1/2, par. 7-203
56	56	625 ILCS 5/7-311 from Ch. 95 1/2, par. 7-311
57	57	625 ILCS 5/7-317 from Ch. 95 1/2, par. 7-317
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76	76	1 Sec. 7-203. Requirements as to policy or bond. No such
77	77	2 policy or bond referred to in Section 7-202 shall be effective
78	78	3 under this Section unless issued by an insurance company or
79	79	4 surety company authorized to do business in this State, except
80	80	5 that if such motor vehicle was not registered in this State, or
81	81	6 was a motor vehicle which was registered elsewhere than in
82	82	7 this State at the effective date of the policy or bond, or the
83	83	8 most recent renewal thereof, such policy or bond shall not be
84	84	9 effective under this Section unless the insurance company or
85	85	10 surety company, if not authorized to do business in this
86	86	11 State, shall execute a power of attorney authorizing the
87	87	12 Secretary of State to accept service on its behalf of notice or
88	88	13 process in any action upon such policy or bond arising out of
89	89	14 such motor vehicle crash. However, every such policy or bond
90	90	15 is subject, if the motor vehicle crash has resulted in bodily
91	91	16 injury or death, to a limit, exclusive of interest and costs,
92	92	17 of not less than $50,000 $25,000 because of bodily injury to or
93	93	18 death of any one person in any one motor vehicle crash and,
94	94	19 subject to said limit for one person, to a limit of not less
95	95	20 than $100,000 $50,000 because of bodily injury to or death of 2
96	96	21 or more persons in any one motor vehicle crash, and, if the
97	97	22 motor vehicle crash has resulted in injury to or destruction
98	98	23 of property, to a limit of not less than $40,000 $20,000
99	99	24 because of injury to or destruction of property of others in
100	100	25 any one motor vehicle crash. The changes to this Section made
101	101	26 by this amendatory Act of the 98th General Assembly apply only
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112	112	1 to policies issued or renewed on or after January 1, 2015.
113	113	2 Upon receipt of a written motor vehicle crash report from
114	114	3 the Administrator the insurance company or surety company
115	115	4 named in such notice shall notify the Administrator within
116	116	5 such time and in such manner as the Administrator may require,
117	117	6 in case such policy or bond was not in effect at the time of
118	118	7 such motor vehicle crash.
119	119	8 (Source: P.A. 102-982, eff. 7-1-23.)
120	120	9 (625 ILCS 5/7-311) (from Ch. 95 1/2, par. 7-311)
121	121	10 Sec. 7-311. Payments sufficient to satisfy requirements.
122	122	11 (a) Judgments herein referred to arising out of motor
123	123	12 vehicle crashes occurring on or after January 1, 2015 (the
124	124	13 effective date of Public Act 98-519) shall for the purpose of
125	125	14 this Chapter be deemed satisfied:
126	126	15 1. when $50,000 $25,000 has been credited upon any
127	127	16 judgment or judgments rendered in excess of that amount
128	128	17 for bodily injury to or the death of one person as the
129	129	18 result of any one motor vehicle crash; or
130	130	19 2. when, subject to said limit of $50,000 $25,000 as
131	131	20 to any one person, the sum of $100,000 $50,000 has been
132	132	21 credited upon any judgment or judgments rendered in excess
133	133	22 of that amount for bodily injury to or the death of more
134	134	23 than one person as the result of any one motor vehicle
135	135	24 crash; or
136	136	25 3. when $40,000 $20,000 has been credited upon any
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147	147	1 judgment or judgments, rendered in excess of that amount
148	148	2 for damages to property of others as a result of any one
149	149	3 motor vehicle crash.
150	150	4 The changes to this subsection made by Public Act 98-519
151	151	5 apply only to policies issued or renewed on or after January 1,
152	152	6 2015.
153	153	7 (b) Credit for such amounts shall be deemed a satisfaction
154	154	8 of any such judgment or judgments in excess of said amounts
155	155	9 only for the purposes of this Chapter.
156	156	10 (c) Whenever payment has been made in settlement of any
157	157	11 claim for bodily injury, death, or property damage arising
158	158	12 from a motor vehicle crash resulting in injury, death, or
159	159	13 property damage to 2 two or more persons in such crash, any
160	160	14 such payment shall be credited in reduction of the amounts
161	161	15 provided for in this Section.
162	162	16 (Source: P.A. 102-982, eff. 7-1-23.)
163	163	17 (625 ILCS 5/7-317) (from Ch. 95 1/2, par. 7-317)
164	164	18 Sec. 7-317. "Motor vehicle liability policy" defined.
165	165	19 (a) Certification. -A "motor vehicle liability policy", as
166	166	20 that term is used in this Act, means an "owner's policy" or an
167	167	21 "operator's policy" of liability insurance, certified as
168	168	22 provided in Section 7-315 or Section 7-316 as proof of
169	169	23 financial responsibility for the future, and issued, except as
170	170	24 otherwise provided in Section 7-316, by an insurance carrier
171	171	25 duly authorized to transact business in this State, to or for
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182	182	1 the benefit of the person named therein as insured.
183	183	2 (b) Owner's Policy. --Such owner's policy of liability
184	184	3 insurance:
185	185	4 1. Shall designate by explicit description or by
186	186	5 appropriate reference, all motor vehicles with respect to
187	187	6 which coverage is thereby intended to be granted;
188	188	7 2. Shall insure the person named therein and any other
189	189	8 person using or responsible for the use of such motor
190	190	9 vehicle or vehicles with the express or implied permission
191	191	10 of the insured;
192	192	11 3. Shall insure every named insured and any other
193	193	12 person using or responsible for the use of any motor
194	194	13 vehicle owned by the named insured and used by such other
195	195	14 person with the express or implied permission of the named
196	196	15 insured on account of the maintenance, use, or operation
197	197	16 of any motor vehicle owned by the named insured, within
198	198	17 the continental limits of the United States or the
199	199	18 Dominion of Canada against loss from liability imposed by
200	200	19 law arising from such maintenance, use, or operation, to
201	201	20 the extent and aggregate amount, exclusive of interest and
202	202	21 cost, with respect to each motor vehicle, of $50,000
203	203	22 $25,000 for bodily injury to or death of one person as a
204	204	23 result of any one crash and, subject to such limit as to
205	205	24 one person, the amount of $100,000 $50,000 for bodily
206	206	25 injury to or death of all persons as a result of any one
207	207	26 crash and the amount of $40,000 $20,000 for damage to
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218	218	1 property of others as a result of any one crash. The
219	219	2 changes to this paragraph made by this amendatory Act of
220	220	3 the 98th General Assembly apply only to policies issued or
221	221	4 renewed on or after January 1, 2015.
222	222	5 (c) Operator's Policy. --When an operator's policy is
223	223	6 required, it shall insure the person named therein as insured
224	224	7 against the liability imposed by law upon the insured for
225	225	8 bodily injury to or death of any person or damage to property
226	226	9 to the amounts and limits above set forth and growing out of
227	227	10 the use or operation by the insured within the continental
228	228	11 limits of the United States or the Dominion of Canada of any
229	229	12 motor vehicle not owned by him.
230	230	13 (d) Required Statements in Policies. --Every motor vehicle
231	231	14 liability policy must specify the name and address of the
232	232	15 insured, the coverage afforded by the policy, the premium
233	233	16 charged therefor, the policy period, and the limits of
234	234	17 liability, and shall contain an agreement that the insurance
235	235	18 thereunder is provided in accordance with the coverage defined
236	236	19 in this Act, as respects bodily injury and death or property
237	237	20 damage or both, and is subject to all the provisions of this
238	238	21 Act.
239	239	22 (e) Policy Need Not Insure Workers' Compensation. --Any
240	240	23 liability policy or policies issued hereunder need not cover
241	241	24 any liability of the insured assumed by or imposed upon the
242	242	25 insured under any workers' compensation law nor any liability
243	243	26 for damage to property in charge of the insured or the
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254	254	1 insured's employees.
255	255	2 (f) Provisions Incorporated in Policy. --Every motor
256	256	3 vehicle liability policy is subject to the following
257	257	4 provisions which need not be contained therein:
258	258	5 1. The liability of the insurance carrier under any
259	259	6 such policy shall become absolute whenever loss or damage
260	260	7 covered by the policy occurs and the satisfaction by the
261	261	8 insured of a final judgment for such loss or damage shall
262	262	9 not be a condition precedent to the right or obligation of
263	263	10 the carrier to make payment on account of such loss or
264	264	11 damage.
265	265	12 2. No such policy may be cancelled or annulled as
266	266	13 respects any loss or damage, by any agreement between the
267	267	14 carrier and the insured after the insured has become
268	268	15 responsible for such loss or damage, and any such
269	269	16 cancellation or annulment shall be void.
270	270	17 3. The insurance carrier shall, however, have the
271	271	18 right to settle any claim covered by the policy, and if
272	272	19 such settlement is made in good faith, the amount thereof
273	273	20 shall be deductible from the limits of liability specified
274	274	21 in the policy.
275	275	22 4. The policy, the written application therefor, if
276	276	23 any, and any rider or endorsement which shall not conflict
277	277	24 with the provisions of this Act shall constitute the
278	278	25 entire contract between the parties.
279	279	26 (g) Excess or Additional Coverage. --Any motor vehicle
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290	290	1 liability policy may, however, grant any lawful coverage in
291	291	2 excess of or in addition to the coverage herein specified or
292	292	3 contain any agreements, provisions, or stipulations not in
293	293	4 conflict with the provisions of this Act and not otherwise
294	294	5 contrary to law.
295	295	6 (h) Reimbursement Provision Permitted. --The policy may
296	296	7 provide that the insured, or any other person covered by the
297	297	8 policy shall reimburse the insurance carrier for payment made
298	298	9 on account of any loss or damage claim or suit involving a
299	299	10 breach of the terms, provisions, or conditions of the policy;
300	300	11 and further, if the policy shall provide for limits in excess
301	301	12 of the limits specified in this Act, the insurance carrier may
302	302	13 plead against any plaintiff, with respect to the amount of
303	303	14 such excess limits of liability, any defense which it may be
304	304	15 entitled to plead against the insured.
305	305	16 (i) Proration of Insurance Permitted. --The policy may
306	306	17 provide for the pro-rating of the insurance thereunder with
307	307	18 other applicable valid and collectible insurance.
308	308	19 (j) Binders. --Any binder pending the issuance of any
309	309	20 policy, which binder contains or by reference includes the
310	310	21 provisions hereunder shall be sufficient proof of ability to
311	311	22 respond in damages.
312	312	23 (k) Copy of Policy to Be Filed with Department of
313	313	24 Insurance--Approval. --A copy of the form of every motor
314	314	25 vehicle liability policy which is to be used to meet the
315	315	26 requirements of this Act must be filed, by the company
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326	326	1 offering such policy, with the Department of Insurance, which
327	327	2 shall approve or disapprove the policy within 30 days of its
328	328	3 filing. If the Department approves the policy in writing
329	329	4 within such 30 day period or fails to take action for 30 days,
330	330	5 the form of policy shall be deemed approved as filed. If within
331	331	6 the 30 days the Department disapproves the form of policy
332	332	7 filed upon the ground that it does not comply with the
333	333	8 requirements of this Act, the Department shall give written
334	334	9 notice of its decision and its reasons therefor to the carrier
335	335	10 and the policy shall not be accepted as proof of financial
336	336	11 responsibility under this Act.
337	337	12 (l) Insurance Carrier Required to File Certificate. --An
338	338	13 insurance carrier who has issued a motor vehicle liability
339	339	14 policy or policies or an operator's policy meeting the
340	340	15 requirements of this Act shall, upon the request of the
341	341	16 insured therein, deliver to the insured for filing, or at the
342	342	17 request of the insured, shall file direct, with the Secretary
343	343	18 of State a certificate, as required by this Act, which shows
344	344	19 that such policy or policies have been issued. No insurance
345	345	20 carrier may require the payment of any extra fee or surcharge,
346	346	21 in addition to the insurance premium, for the execution,
347	347	22 delivery or filing of such certificate.
348	348	23 (m) Proof When Made By Endorsement. --Any motor vehicle
349	349	24 liability policy which by endorsement contains the provisions
350	350	25 required hereunder shall be sufficient proof of ability to
351	351	26 respond in damages.
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362	362	1 (Source: P.A. 102-982, eff. 7-1-23.)
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